State RegulationsAZ specificDifficulty 1/5
Under A.A.C. R20-6-207, an Arizona insurer may not base premium rates or policy benefits for identical coverages on which of the following?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.A.C. R20-6-207 is Arizona's gender discrimination rule: insurers may not discriminate in rates or benefits for identical coverages on the basis of gender. Identical coverage must be priced identically regardless of whether the applicant is male or female.
Why the other options are wrong
- A) Smoking status is a standard, permitted underwriting factor when reflected in filed rates.
- B) Occupation-based rating is a permitted classification when used in the filed rate tables.
- C) Age bands are conventional, permitted rating factors in the filed rates.
Memory hook
Identical coverage, identical price — gender cannot move the number (R20-6-207).